Cadillac CTS Insurance Rates
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UPDATED: May 23, 2024
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How much is insurance on a Cadillac CTS compared to other vehicles? Cadillac CTS insurance rates average $1,510 a year, or $125 a month. While the Cadillac average price of insurance may vary slightly by model year, such as 2005 versus 2006 CTS insurance costs, the rates should be around $1,510.
To start saving on the insurance cost of a Cadillac CTS in your area, enter your ZIP code in our free rate comparison tool above.
The average auto insurance rates for a Cadillac CTS are $1,404 annually for full coverage. Comprehensive costs an estimated $270, collision costs $524, and liability insurance is $452. Liability-only insurance costs around $504 a year, with high-risk driver insurance costing around $3,056. Teen drivers cost the most to insure at $5,338 a year or more.
Average premium for full coverage: $1,404
Policy rates broken down by type of insurance:
Rate estimates include $500 deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different CTS trim levels.
Price Range Variability
For the average 40-year-old driver, Cadillac CTS insurance rates go from as cheap as $504 for liability-only coverage to a much higher rate of $3,056 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than larger metro areas.
The price range example below illustrates the difference location can make on insurance prices.
The examples above show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below shows estimated Cadillac CTS insurance rates for other coverage scenarios.
- The lowest rate with discounts is $802
- Raising to $1,000 deductibles will save approximately $180 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,404
- Choosing more expensive low deductibles will cost $1,756
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,056 or more
- Policy cost with full coverage for a teen driver with full coverage can cost as much as $5,338
Auto insurance rates for a Cadillac CTS also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
An older driver with a good driving record and high physical damage deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $5,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,700 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $540 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Cadillac CTS insurance rates. A middle-age driver might find rates as low as $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,000 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,270 | -$134 | -9.5% |
| Alaska | $1,078 | -$326 | -23.2% |
| Arizona | $1,164 | -$240 | -17.1% |
| Arkansas | $1,404 | -$0 | 0.0% |
| California | $1,600 | $196 | 14.0% |
| Colorado | $1,340 | -$64 | -4.6% |
| Connecticut | $1,444 | $40 | 2.8% |
| Delaware | $1,588 | $184 | 13.1% |
| Florida | $1,756 | $352 | 25.1% |
| Georgia | $1,296 | -$108 | -7.7% |
| Hawaii | $1,008 | -$396 | -28.2% |
| Idaho | $950 | -$454 | -32.3% |
| Illinois | $1,046 | -$358 | -25.5% |
| Indiana | $1,058 | -$346 | -24.6% |
| Iowa | $946 | -$458 | -32.6% |
| Kansas | $1,334 | -$70 | -5.0% |
| Kentucky | $1,916 | $512 | 36.5% |
| Louisiana | $2,078 | $674 | 48.0% |
| Maine | $866 | -$538 | -38.3% |
| Maryland | $1,158 | -$246 | -17.5% |
| Massachusetts | $1,122 | -$282 | -20.1% |
| Michigan | $2,440 | $1,036 | 73.8% |
| Minnesota | $1,174 | -$230 | -16.4% |
| Mississippi | $1,682 | $278 | 19.8% |
| Missouri | $1,246 | -$158 | -11.3% |
| Montana | $1,508 | $104 | 7.4% |
| Nebraska | $1,108 | -$296 | -21.1% |
| Nevada | $1,684 | $280 | 19.9% |
| New Hampshire | $1,012 | -$392 | -27.9% |
| New Jersey | $1,570 | $166 | 11.8% |
| New Mexico | $1,244 | -$160 | -11.4% |
| New York | $1,478 | $74 | 5.3% |
| North Carolina | $810 | -$594 | -42.3% |
| North Dakota | $1,150 | -$254 | -18.1% |
| Ohio | $970 | -$434 | -30.9% |
| Oklahoma | $1,442 | $38 | 2.7% |
| Oregon | $1,286 | -$118 | -8.4% |
| Pennsylvania | $1,340 | -$64 | -4.6% |
| Rhode Island | $1,872 | $468 | 33.3% |
| South Carolina | $1,272 | -$132 | -9.4% |
| South Dakota | $1,184 | -$220 | -15.7% |
| Tennessee | $1,228 | -$176 | -12.5% |
| Texas | $1,694 | $290 | 20.7% |
| Utah | $1,040 | -$364 | -25.9% |
| Vermont | $960 | -$444 | -31.6% |
| Virginia | $840 | -$564 | -40.2% |
| Washington | $1,084 | -$320 | -22.8% |
| West Virginia | $1,286 | -$118 | -8.4% |
| Wisconsin | $972 | -$432 | -30.8% |
| Wyoming | $1,250 | -$154 | -11.0% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac CTS AWD | $1,370 | $114 |
| Cadillac CTS | $1,370 | $114 |
| Cadillac CTS Luxury AWD | $1,404 | $117 |
| Cadillac CTS Performance AWD | $1,404 | $117 |
| Cadillac CTS Luxury | $1,404 | $117 |
| Cadillac CTS Performance | $1,404 | $117 |
| Cadillac CTS Sport | $1,404 | $117 |
| Cadillac CTS Premium | $1,440 | $120 |
| Cadillac CTS Premium AWD | $1,476 | $123 |
Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac CTS | $282 | $564 | $442 | $1,446 |
| 2018 Cadillac CTS | $270 | $524 | $452 | $1,404 |
| 2017 Cadillac CTS | $260 | $494 | $456 | $1,368 |
| 2016 Cadillac CTS | $248 | $442 | $460 | $1,308 |
| 2015 Cadillac CTS | $232 | $408 | $460 | $1,258 |
| 2014 Cadillac CTS | $224 | $382 | $464 | $1,228 |
| 2013 Cadillac CTS | $220 | $356 | $474 | $1,208 |
| 2012 Cadillac CTS | $202 | $330 | $474 | $1,164 |
| 2011 Cadillac CTS | $198 | $300 | $478 | $1,134 |
| 2010 Cadillac CTS | $184 | $274 | $474 | $1,090 |
| 2009 Cadillac CTS | $174 | $250 | $474 | $1,056 |
| 2008 Cadillac CTS | $168 | $224 | $468 | $1,018 |
| 2007 Cadillac CTS | $166 | $218 | $460 | $1,002 |
| 2006 Cadillac CTS | $162 | $208 | $452 | $980 |
| 2005 Cadillac CTS | $148 | $198 | $446 | $950 |
| 2004 Cadillac CTS | $144 | $188 | $442 | $932 |
Rates are averaged for all Cadillac CTS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cadillac CTS Insurance
Finding cheaper rates on Cadillac CTS insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every couple of years by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a brief recap of the material that was touched on in this article.
- Drivers who want higher liability limits will pay about $500 each year to raise from a 30/60 limit to higher 250/500 limits
- Teens are the costliest to insure, costing up to $445 each month if full coverage is included
- High-risk drivers who tend to receive serious violations may pay on average $1,650 more annually for CTS insurance
- Increasing comprehensive and collision deductibles could save up to $525 each year
The best way to save on Cadillac CTS costs is to shop around for quotes. It can help you find the best rates for your model year, from how much does a 2010 Cadillac CTS cost to 2014 Cadillac insurance rates.
Enter your ZIP code in our free rate comparison tool below to find the best Cadillac CTS insurance costs.
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What are the safety ratings of the Cadillac CTS?
Do the Cadillac CTS have a lot of problems? Is the Cadillac CTS a reliable car? These are the questions insurers will ask when they look at Cadillac CTS safety ratings and features. The Cadillac CTS does have some great standard safety features, such as teen driver settings (set speed and audio), rear parking sensors, and a rearview camera.
Take a look below at the Insurance Institute for Highway Safety’s (IIHS) crash test ratings of the Cadillac CTS.
- Small overlap front (driver-side): Marginal
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The video below demonstrates one of the IIHS’s crash tests.
Cadillac CTS Compared Against Other Vehicles in the Same Class
The Cadillac CTS is a large luxury car, which usually have higher liability rates. However, the IIHS found that the Cadillac CTS’s liability losses are better than average, so rates should be lower than other large luxury cars’ rates.
View the list of other large luxury cars below to see how their rates compare to the Cadillac CTS.
Ready to find the best insurance price for a Cadillac CTS? Enter your ZIP code in our free tool to see how much does a Cadillac CTS cost to insure in your area.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,338 |
| 20 | $3,262 |
| 30 | $1,460 |
| 40 | $1,404 |
| 50 | $1,284 |
| 60 | $1,260 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,756 |
| $250 | $1,592 |
| $500 | $1,404 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,404 |
| 50/100 | $1,566 |
| 100/300 | $1,679 |
| 250/500 | $1,973 |
| 100 CSL | $1,612 |
| 300 CSL | $1,860 |
| 500 CSL | $2,041 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,614 |
| 20 | $5,202 |
| 30 | $3,116 |
| 40 | $3,056 |
| 50 | $2,920 |
| 60 | $2,894 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $75 |
| Multi-vehicle | $76 |
| Homeowner | $22 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $64 |
| Advance Quote | $70 |
| Online Quote | $100 |
| Total Discounts | $602 |
Discounts are estimated and may not be available from every company or in every state.
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